Mortgage Lenders and Brokers in Cottonwood, Arizona
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Cottonwood, Arizona mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1201 E State Route 89a, Cottonwood, AZ 86326A+5.0 ★Texas Ratio: 5.36%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1 E Highway 89a, Cottonwood, AZ 86326A+5.0 ★Texas Ratio: 3.72%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1540 E Highway 89a, Cottonwood, AZ 86326A+5.0 ★Texas Ratio: 3.68%, Glacier BankGlacier Bank597 E State Route 89a, Cottonwood, AZ 86326A+5.0 ★Texas Ratio: 1.87%, Oneaz Credit UnionOneaz Credit Union601 W State Route 89A, COTTONWOOD, AZ 86326A+5.0 ★Texas Ratio: 4.17%, Credit Union WestCredit Union West1672 E Cottonwood St, Cottonwood, AZ 86326 5479A+5.0 ★Texas Ratio: 2.78%, PNC Bank N.A.PNC Bank N.A.2840 Highway 95, Bullhead City, AZ 86442A+5.0 ★Texas Ratio: 4.24%, MidFirst BankMidFirst Bank3611 W Anthem Way, Anthem, AZ 85086A+5.0 ★Texas Ratio: 4.93%, Flagstar Bank NAFlagstar Bank NA4979 S Alma School Rd, Chandler, AZ 85248D3.3 ★Texas Ratio: 35.11%, and Copper State Credit UnionCopper State Credit Union3428 W Anthem Way, Anthem, AZ 85086A+5.0 ★Texas Ratio: 3.49%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Cottonwood, Arizona in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cottonwood are listed first, then lenders elsewhere in Arizona, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Cottonwood, Arizona
Market share is the lender's share of all home loans closed in Cottonwood, Arizona. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
1 office in Cottonwood 1201 E State Route 89a, Cottonwood, AZ 86326 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.9% | 66.7% | $325,000 | View |
|
1 office in Cottonwood 1 E Highway 89a, Cottonwood, AZ 86326 A+5.0 ★Texas Ratio: 3.72% |
Conventional, HELOC | 1 +8 HELOCs |
0.5% | 60% | $305,000 | View |
|
1 office in Cottonwood 1540 E Highway 89a, Cottonwood, AZ 86326 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 33.3% | $105,000 | View |
|
1 office in Cottonwood 597 E State Route 89a, Cottonwood, AZ 86326 A+5.0 ★Texas Ratio: 1.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
601 W State Route 89A, COTTONWOOD, AZ 86326 A+5.0 ★Texas Ratio: 4.17% |
Conventional, HELOC | 11 +14 HELOCs |
5.2% | 80% | $183,181 | View |
|
1672 E Cottonwood St, Cottonwood, AZ 86326 5479 A+5.0 ★Texas Ratio: 2.78% |
Conventional, HELOC | 3 +3 HELOCs |
1.4% | 75% | $188,333 | View |
|
★ 1.7 stars, 3 reviews 2840 Highway 95, Bullhead City, AZ 86442 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $405,000 | View |
|
3611 W Anthem Way, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 4.93% |
Conventional, Jumbo | 1 | 0.5% | 100% | $1,275,000 | View |
|
4979 S Alma School Rd, Chandler, AZ 85248 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 50% | $275,000 | View |
|
3428 W Anthem Way, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 3.49% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
|
355 E Germann Rd, Gilbert, AZ 85297 A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.5% | 100% | $115,000 | View |
|
150 E Old West Hwy, Apache Junction, AZ 85119 0002 A+5.0 ★Texas Ratio: 2.04% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
3185 W Apache Trl, Apache Junction, AZ 85120 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
39518 N Gavilan Peak Pkwy, Anthem, AZ 85086 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1160 S Watson Rd, Buckeye, AZ 85326 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
|
Conventional, FHA | 4 | 1.9% | 100% | $365,000 | |
NOVA Financial & Investment Corporation
|
Conventional, FHA | 2 | 0.9% | 100% | $290,000 | |
Peoples Mortgage Company
|
Conventional | 2 | 0.9% | 100% | $405,000 | |
Geneva Financial LLC
|
Conventional, FHA | 2 | 0.9% | 100% | $480,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 24 | 11.4% | 100% | $282,500 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 20 +1 HELOCs |
9.5% | 87% | $353,500 | |
Inspire Home Loans Inc.
|
Conventional, FHA, VA | 14 | 6.6% | 89.5% | $299,285 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA | 14 | 6.6% | 100% | $340,000 | |
loanDepot.com LLC
|
Conventional, VA, HELOC | 6 +1 HELOCs |
2.8% | 85.7% | $233,333 | |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 5 | 2.4% | 75% | $311,000 | |
Mortgage Research Center
|
VA | 5 | 2.4% | 100% | $437,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA | 5 | 2.4% | 100% | $283,000 | |
Cmg Mortgage Inc
|
Conventional, VA, HELOC | 4 +1 HELOCs |
1.9% | 100% | $250,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 4 +1 HELOCs |
1.9% | 100% | $85,000 | |
Pennymac Loan Services LLC
|
Conventional, FHA | 4 | 1.9% | 66.7% | $445,000 | |
Synergy One Lending, Inc.
|
Conventional | 4 | 1.9% | 100% | $317,500 | |
Guild Mortgage Company
|
Conventional, VA | 4 | 1.9% | 100% | $327,500 | |
Bank of Colorado
|
Conventional, FHA, Jumbo | 4 | 1.9% | 100% | $507,500 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 3 | 1.4% | 100% | $348,333 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 3 | 1.4% | 75% | $325,000 | |
Newrez LLC
|
Conventional, VA | 3 | 1.4% | 100% | $528,333 | |
Credit Human Federal Credit Un
|
Conventional | 3 | 1.4% | 83.3% | $105,000 | |
21St Mortgage
|
Conventional | 3 | 1.4% | 42.9% | $125,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 1.4% | 100% | $218,333 | View |
Goodleap, LLC
|
Conventional, VA, HELOC | 2 +1 HELOCs |
0.9% | 100% | $220,000 | |
Triad Financial Services, Inc.
|
Conventional | 2 | 0.9% | 50% | $165,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.9% | 66.7% | $265,000 | View |
Sierra Pacific Mortgage Co. Inc
|
Conventional, VA | 2 | 0.9% | 100% | $260,000 | |
American Pacific Mortgage Corporation
|
Conventional | 2 | 0.9% | 100% | $335,000 | |
Nationstar Mortgage
|
Conventional, FHA | 2 | 0.9% | 50% | $285,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 2 | 0.9% | 100% | $370,000 | View |
|
A5.0 ★Texas Ratio: 9.78% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.5% | 100% | $925,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +1 HELOCs |
0.5% | 100% | $325,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.5% | 100% | $365,000 | View |
American Financial Resources LLC
|
FHA | 1 | 0.5% | 100% | $445,000 | |
|
A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.5% | 75% | $255,000 | |
Acrisure Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $385,000 | |
CrossCountry Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $695,000 | |
PHH Mortgage Corporation
|
VA, Jumbo | 1 | 0.5% | 100% | $1,065,000 | |
Resicentral LLC
|
Conventional | 1 | 0.5% | 100% | $365,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 0.5% | 14.3% | $45,000 | |
American Financing Corporation
|
Conventional | 1 | 0.5% | 20% | $385,000 | |
ClearPath Lending
|
VA | 1 | 0.5% | 100% | $315,000 | |
Nfm, Inc
|
Conventional | 1 | 0.5% | 100% | $795,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.5% | 100% | $465,000 | |
Efinity Financial LLC
|
Conventional | 1 | 0.5% | 100% | $465,000 | |
T2 Financial LLC
|
Conventional | 1 | 0.5% | 100% | $295,000 | |
|
A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 0.5% | 100% | $205,000 | View |
Logix Federal Credit Union
|
Conventional | 1 | 0.5% | 100% | $95,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $575,000 | |
Mutual of Omaha Mortgage
|
VA | 1 | 0.5% | 100% | $515,000 | |
New American Funding, LLC.
|
Conventional | 1 | 0.5% | 100% | $55,000 | |
Nmsi, Inc.
|
Conventional | 1 | 0.5% | 100% | $475,000 | |
|
A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.5% | 100% | $325,000 | View |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.5% | 100% | $175,000 | |
Loan Simple, Inc.
|
Conventional | 1 | 0.5% | 100% | $335,000 | |
Plaza Home Mortgage, Inc
|
Conventional | 1 | 0.5% | 100% | $345,000 | |
Top Flite Financial, Inc.
|
FHA | 1 | 0.5% | 100% | $165,000 | |
Vista Point Mortgage, LLC
|
Conventional | 1 | 0.5% | 100% | $95,000 | |
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Cottonwood Mortgage Rate Trends
Daily average mortgage rates for Arizona compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Cottonwood, Arizona
Looking for mortgage lenders near me or mortgage brokers near me in Cottonwood? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cottonwood in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cottonwood, AZ
Use these to narrow the list above. Each category shows how many Cottonwood, AZ lenders fit and what that kind of lender is usually best for.
Who Lends in Cottonwood, AZ
Independent mortgage companies closed 79.6 percent of home loans in Cottonwood, Arizona in 2025, banks 10 percent and credit unions 10.4 percent. The Loan Store, Inc was the largest mortgage company, Wells Fargo Bank NA the largest bank and Oneaz Credit Union the largest credit union. Among lenders headquartered in Arizona, Oneaz Credit Union led with 11 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Arizona. None. The Arizona Constitution bars real estate transfer taxes; only a $2 affidavit of value fee and flat recording fees apply.
More Arizona Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Cottonwood, AZ
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Cottonwood, Arizona with 2 loans, about 0.9 percent of the market. The largest lender headquartered in Arizona was Oneaz Credit Union with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Cottonwood, Arizona in 2025, led by United Wholesale Mortgage with 5. 19 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 20 banks and 9 credit unions closed home loans in Cottonwood, Arizona in 2025, alongside 53 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Cottonwood, Arizona during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Cottonwood, Arizona for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Cottonwood. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
